Implementing XML
Mike Bixby, e-Data Coordinator, INFO1 MBA Technology Conference April 18, 2001
XML Implementation - Topics
– Questions to Ask l Implementation Options l Using MISMO XML l MISMO 2.0 and Beyond l Other Resources and Tools l Discussion and Questions
l Analysis
Analysis – Questions To Ask
q
Why do you want to use XML?
A: Latest data exchange standard B: Easier to understand and implement C: Recommended by MISMO D: Recommended by Al Gore E: None of the Above
Analysis – Questions To Ask
q
Why do you want to use XML?
E: None of the Above
Ø
Unless using XML can help you MAKE money or SAVE you money, why do it? Ø In e-Commerce, data transactions ARE money Ø Standards enable the exchange of money
XML – Poised For Growth
l Companies
80% 70% 60% 50% 40% 30% 20% 10% 0% 2000 2001
using or planning to use XML
(Source: XML Solutions Corp)
XML – Poised For Growth
l Percentage
40% 35% 30% 25% 20% 15% 10% 5% 0% 2000 2003
of e-Commerce Transactions
(Source: Zona Research)
XML – Poised For Growth
l XML
Products & Services (in $ billions)
(Source: Upstream Consulting)
2.5 2 1.5 1 0.5 0 2000 2001 2002 2003 2004
Analysis – More Questions
q
Do you have current web presence? q Want to use XML for internal use only or externally with business partners? q Who are your business trading partners? q What is your position in the mortgage business “food chain”?
Analysis – Still More Questions
q What
• • • • • •
are your current I.T. Development assets?
Currently use X12 or SWIFT transactions? Use a Loan Origination System? Use Oracle, DB2, or SQL 2000 databases? Are you a Microsoft, IBM, Sun or Unix shop? Do you have a programming staff? None of the above?
Analysis – Final Questions
q What
are your performance needs?
• Develop solutions quickly? • High throughput (transactions per second) • Quick analysis for decision making
q And
finally… What is your budget for development tools AND labor?
Implementation Options
l Any,
l l l l l l
several, or none of the following may apply as an option for your company
Loan Origination System Software Mortgage Service Portals or ASPs Custom Software Development Data Translators Enterprise Application Integration Web Service Frameworks
Implementation Options
l Custom
Software Development
– Either with existing staff, outside consultants or
both – Most commonly used development platforms now support XML – May be more labor intensive than other options – Even with Enterprise Application Integration (EAI), custom software fills in the “holes”
Implementation Options
l
Custom Software Development - Libraries
– Apache XML Project (Xerces Library) – – – –
(xml.apache.org) IBM developerWorks l (www-106.ibm.com/developerworks/xml) Microsoft MSXML l (msdn.microsoft.com/xml/default.asp) Oracle XML Developer’s Kits l (otn.oracle.com/tech/xml) Sun Java 2 Enterprise Edition (J2EE) l (www.sun.com)
l
Implementation Options
l Data
Translators
– Perform simple to/from XML to/from other
formats
l l
Data Junction (www.datajunction.com) Whitehill
Transport (www.whitehill.com)
– Many existing X12 translators now also
“speak” XML (or will soon)
Implementation Options
l Enterprise
Application Integration (EAI) -
Features
l l
l l l l
Integration / translation between systems, files and databases Inter-application communication supporting the major messaging protocols Process management Security & Authentication Administration Scalable
Implementation Options
l Enterprise
Application Integration (EAI) -
Products
l l l l l l l l
Ariba (www.ariba.com) Crossworlds (www.crossworlds.com) Mercator (www.mercator.com) Microsoft Biztalk (www.microsoft.com/biztalk) See-Beyond (www.seebeyond.com) Tibco (www.tibco.com) Vitria (www.vitria.com) Web Methods (www.webmethods.com)
Implementation Options
l Web
Service Frameworks
– Standardizing the way applications make themselves
visible over a network via XML – Automates the process of implementing connections with new business partners – Backed by Hewlett-Packard, IBM, Microsoft, Oracle, and Sun Microsystems – “Cooperate on specifications, compete on implementations” – XML DevCon 2001
Implementation Options
l Web
l
Service Frameworks - Protocols
Universal Description, Discovery and Integration (UDDI) – protocol for locating web-based services Web Services Description Language (WSDL) – how to connect to the web-based services Simple Object Access Protocol (SOAP) – standard for messaging between web-based services
l
l
Implementation Options
l
Web Service Frameworks - Products
– HP E-Speak
l
(www.e-speak.hp.com) (www-4.ibm.com/software/webservers/commerce) (www.microsoft.com/net) (otn.oracle.com) (www.sun.com)
– IBM Web Sphere
l
– Microsoft .Net
l
– Oracle Dynamic Services
l
– Sun Open Net Environment
l
Using MISMO XML
l MISMO Resources – Trimester Work Group Meetings – Work Groups / Conference Calls / ListServs – MISMO Web Site – Implementation Guides – Logical Data Dictionary – Commented DTD – Engineering Guideline
Using MISMO XML
l What
does MISMO XML Look Like?
• Mortgage Type = FHA • Amortization Type = Fixed • Term = 360 Months • Interest = 7.5%
– Example: Mortgage Terms data
Using MISMO XML
l MBA’86
- Mortgage Terms Data
MT110000 FHA MT112000 FIXED MT130000 7.5 MT140000 360
Using MISMO XML
l Fannie
Mae - Mortgage Terms Data
7.5 36005
01A03
l X12
- Mortgage Terms Data
LRQ~~7.50~~~~~~~~~~~~~3~05~~360
Using MISMO XML
l MISMO
1.x - Mortgage Terms Data
7.5 360
MISMO 2.0 and Beyond
l
Architecture Changes in 2.0??? (Not Finalized)
– More performance-oriented – More transaction-oriented – Data stored in attributes rather than elements – More abbreviations – Allow use of “legacy” codes for data
MISMO 2.0 and Beyond
l MISMO
1.x - Mortgage Terms Data
7.5 360
MISMO 2.0 and Beyond
l MISMO
2.x - Mortgage Terms Data
(April 11, 2001 Underwriting Draft)
MISMO 2.0 and Beyond
l MISMO
2.x - Mortgage Terms Data
(April ??, 2001 Underwriting Draft)
MISMO 2.0 and Beyond
l
Development of Standards for e-Mortgages
– Reduce Time Period Between Application and Closing – PKI – Digital Signatures – “Smart” Documents – Electronic Loan Package
MISMO Benefits
l Benefits
of being a MISMO Subscriber
– Help build and maintain the standards for the business
transactions – Work and interact with industry peers – Keep up with (or blaze a trail for) current trends in your segment of the industry – Helps support the infrastructure that maintains the standards
Other Resources and Tools
l l
Books on XML, XSL, XSLT XML Information Sources
l l l l l l
www.xml.org www.xml.com msdn.microsoft.com/xml/default.asp www-106.ibm.com/developerworks/xml www.informationweek.com/center/xml.htm www.softwareag.com/xml www.sdbootcamp.com www.xmldevcon2001.com
l
XML Seminars (check your junk mail)
l l
Other Resources and Tools
l
Computer Industry Trade Magazines
l l l l
XML Magazine (www.xmlmag.com) Software (www.sdmagazine.com) Web Techniques (www.webtechniques.com) Information Week (informationweek.com)
Other Resources and Tools
l
XML Editors / Generators
l l l
XML Instance (www.extensibility.com) XMetaL (www.softquad.com) XML Spy (www.xmlspy.com) XML Authority (www.extensibility.com) XML Spy (www.xmlspy.com)
l
DTD/Schema Editors
l l
Other Resources and Tools
l
XSL / XSLT Editors / Generators
l l l
l
eXcelon Stylus (www.exceloncorp.com) Whitehill Composer (www.whitehill.com) XSLerator (alphaworks.ibm.com/aw.nsf/techmain/xslerator) XSLWiz (www.EBProvider.com)
Discussion and Questions